Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • MarcoM
    • By MarcoM 5th Jul 12, 7:50 PM
    • 387Posts
    • 39Thanks
    MarcoM
    Hsbc all FTSE tracker vs Vanguard LifeStrategy fund
    • #1
    • 5th Jul 12, 7:50 PM
    Hsbc all FTSE tracker vs Vanguard LifeStrategy fund 5th Jul 12 at 7:50 PM
    Hi,

    Which package would you choose between the two?

    I am what you would call a passiva investor so the less hassle the better.
    Money about 20k can be locked for a few years.

    Thanks
Page 1
    • jimjames
    • By jimjames 5th Jul 12, 8:14 PM
    • 10,186 Posts
    • 8,188 Thanks
    jimjames
    • #2
    • 5th Jul 12, 8:14 PM
    • #2
    • 5th Jul 12, 8:14 PM
    I'd use HSBC
    Remember the saying: if it looks too good to be true it almost certainly is.
    • srcandas
    • By srcandas 5th Jul 12, 8:48 PM
    • 1,184 Posts
    • 624 Thanks
    srcandas
    • #3
    • 5th Jul 12, 8:48 PM
    • #3
    • 5th Jul 12, 8:48 PM
    They are very different animals. The Vanguard comes in different flavours to match your risk level. The HSBC tracker is all equity if I'm looking at it correctly and I believe failed to beat it's sector or benchmark over 5 years. Vanguard is on the other hand fairly new so no real history.

    Also costs vary depending on where and how you want to keep your investment.

    You'd need to be more specific about the circumstances and your objectives to get a clear idea. But that's all part of the fun

    ps both could be passive
    • bigadaj
    • By bigadaj 5th Jul 12, 9:13 PM
    • 6,680 Posts
    • 3,942 Thanks
    bigadaj
    • #4
    • 5th Jul 12, 9:13 PM
    • #4
    • 5th Jul 12, 9:13 PM
    To be fair the hsbc is a tracker with charges so it's not normally going to beat it's index, would think it's probably second quartile over longer time periods which is respectable.

    Does anyone know who is offering he vanguard funds now?
    • Totton
    • By Totton 5th Jul 12, 9:32 PM
    • 964 Posts
    • 581 Thanks
    Totton
    • #5
    • 5th Jul 12, 9:32 PM
    • #5
    • 5th Jul 12, 9:32 PM
    For me it's a no brainer, I would go for the Vanguard Life Strategy fund. Probably the 80/20 unless it was for less than 10 years when I would probably go for the 60/40. Much better to have a global spread than a ftse tracker, too much risk imho.
    • dunstonh
    • By dunstonh 5th Jul 12, 10:03 PM
    • 83,289 Posts
    • 48,332 Thanks
    dunstonh
    • #6
    • 5th Jul 12, 10:03 PM
    • #6
    • 5th Jul 12, 10:03 PM
    I am what you would call a passiva investor so the less hassle the better.
    Architas multi asset passive funds or vanguard lifestyle depending on your platform. HSBC trackers are not diverse enough.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • oldtoolie
    • By oldtoolie 7th Jul 12, 4:56 PM
    • 727 Posts
    • 576 Thanks
    oldtoolie
    • #7
    • 7th Jul 12, 4:56 PM
    • #7
    • 7th Jul 12, 4:56 PM
    The HSBC fund is only UK equity while the Vanguard funds are diversified with international shares and bonds.

    So if you only have one fund, go Vanguard. See here more more information.

    Vanguard LifeStrategy funds turn passive investing catatonic

    http://monevator.com/vanguard-lifestrategy/
    • MarcoM
    • By MarcoM 7th Jul 12, 7:44 PM
    • 387 Posts
    • 39 Thanks
    MarcoM
    • #8
    • 7th Jul 12, 7:44 PM
    • #8
    • 7th Jul 12, 7:44 PM
    ok thanks. Which would be the best online platform to use in order to buy the Vanguard Lifestrategy Fund?

    many thanks
  • BadgerFace
    • #9
    • 8th Jul 12, 10:16 AM
    • #9
    • 8th Jul 12, 10:16 AM
    I used Hargreaves lansdown. Their monthly platform fee is 2. It works out cheapest if you make monthly contributions, but only to one fund. If you are planning on a single lump sum then someone else who charge per deal may be better.
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

272Posts Today

1,648Users online

Martin's Twitter
  • Just a quick goodbye (for now)... https://t.co/00uuzdpqAv

  • Still fighting - hoping for chinks in the armour as there's a new administration https://t.co/XMYOGshhI0

  • About to speak to talented teens from underprivileged backgrounds re student finance. Far more difficult to be +ve after retrospective hikes

  • Follow Martin